Investing for people with jobs

It's a thermometer,
not a candlestick.

Steps to the Wealth is a risk-first investing system for working professionals. Read the market each Sunday, follow the rules you set when you were calm, and ignore the noise in between — backed by tools that let you stress-test the plan before a single dollar moves.

Subscribe — free Try the simulator Verifying market hours...
01
Read. Every Sunday, the framework’s call on five tracked assets — and what to do this week.
02
Plan.Stress-test any plan against 25 years of real market data before you fund it.
03
Hold.No alerts. No daily charts. The system runs in the background.
01 — Approach

A method, not a hot take.

We teach the unglamorous part of investing — the part that compounds. Three principles, one habit, and a tool that keeps you honest when the headlines don't.

[ risk ladder ]
/ 01

Risk, not timing.

The framework reads risk — price extension, sentiment, underlying signal, macro context — and tells you when to add, when to hold, and when to trim. No predictions. No autopilot into euphoria. A system that responds to where the market actually is.

[ stress-test grid ]
/ 02

Stress-test, then commit.

Before you fund anything, replay your plan against 25 years of real market data — bear markets, lost decades, and the bull runs in between. See the worst case in a number, not a feeling.

[ weekly briefing ]
/ 03

One Sunday email.

A short, written briefing every Sunday — what the framework says about the five tracked assets, and what to do this week. No alerts. No urgent pings. Built for an inbox you already have.

02 — The toolkit

Tools that run the system.

The flagship: the DCA Simulator. It takes your real numbers — paycheck, runway, risk floor — and shows you exactly what a decade of discipline looks like. More tools shipping over the next few months. Each one built to make the framework easier to actually run on a workday.

Twelve minutes to a plan you’ll actually keep.

Most “investing tools” are built for traders. The DCA Simulator is built for the version of you that has back-to-backs until 6 p.m. — and a partner asking if the plan is real.

  • A Custom DCA schedule. Sized to your paycheck and existing accounts — 401(k), Roth, brokerage, crypto sleeve.
  • B 25-year backtest. Replay your plan from 2000 forward, including ’08 and ’20. Drawdown, recovery time, terminal value — in plain English.
  • C Liquidity-aware sizing. Layer in our Global Net Liquidity model so contributions tilt with macro tides — not headlines.
  • D One-page export. A clean PDF you can send to your spouse, advisor, or future self at 2 a.m. on a red day.
Plan Backtest Liquidity Export
SIM · 60-month run
Contribution
$1,250/mo
↑ sized to paycheck
Projected · 10y
$248,900
+ 9.4% CAGR
Worst drawdown
−18.2%
recovered in 11mo
Equity curve · 2014 – 2024 $248,900
2020 −18%
AllocationWeightCadenceYTD
US Total Market55%monthly+11.4%
Intl. Developed20%monthly+6.2%
Bonds (intermediate)15%monthly−1.1%
Bitcoin sleeve10%weekly+34.8%
More in the pipeline
More tools shipping over the next few months. Subscribers get first access — and a say in which ones get built first.
Subscribe for first access  →
12min
Average time to a fully back-tested plan - start to PDF.
25yrs
Of real market data (2000 to today) every plan is replayed against.
1memo
A month. That is the entire output cadence we promise our subscribers.
0alerts
No push notifications, ever. Built for working professionals, not day-traders.
04 — Subscribe

One Sunday email. That's it.

Join working professionals who get a weekly written briefing — the framework's read on the markets, every Sunday morning. Free, ad-free, unsubscribe in one click.

Subscribe and you'll also get the Dynamic DCA Blueprint — a one-page reference (PDF) that pairs with the weekly email.

Sundays, no spam Free forever Read by working professionals